Checkin for Week of January 18

So I caved under the sales at JCPenney.  I’m weak.  However I would like to note I spent much less than I normally would have.  I bought 2 blouses and 1 pair of exercise pants.  Total with the sale and the 20% off was only $46.  Then I ate at Sarku.  That was really the whole reason I went to the mall.

So I’m starting now, no clothing or shoes purchases.  Nothing. Nada.  I have plenty of clothes and shoes.  More than plenty.  I’m going to purge a few more items that I don’t wear and/or make me uncomfortable (don’t fit, ugly, etc.).

Currently my budget looks like this:

Income: $2850 (per month)

Rent/Groceries: $1255.00   (I live at home so I just contribute towards all expenses)

Auto (Gas): $80

Business Services: $100

Entertainment: $25

Food and Dining: $200

Dentist Loan: $400  ($2866 remaining)

Medical: $150 (HSA Reimburses this amount.)

Shopping: $100

Cash: $60

Misc: $60

Add to Savings: $420

Total Expenses Budgeted: $2850 – (I’m trying to do the Dave Ramsey budget every penny model.)

 

Regarding my savings.  I’m working towards getting a hefty savings built up.  I’d like to get a 6 month cushion built up.  Then on top of it I’d like to start saving for a car.  I want to get where I’m saving around $800 – 900 per month.  Once I’m done with my Dentist loan that will help.  And then with my cutting out purchases that should also push me towards that goal. Food and Dining are the next to take a big cut.  This needs to come way down to help me reach my savings goal.